Do I need to get a lawyer? I don't know what I need to do now. I want to make everything right.

You don't say who is at fault for the accident. If your son is, just wait to see what the other party's carrier does and will do for both of you....

Who is responsible for the remainder of the rental car accident bill?

You are responsible to the company, she is responsible to pay you back. Or she should just pay them, but they only need to go after you.

What do I do now?

You can sue the driver behind you if you don't think there was a third car involved. If you have uninsured motorist property damage and bodily...

Is there not a statue of limitations for accidents? I had insurance in California , shouldn't my policy cover those damages?

Call the Iowa court, there is likely a number on your paperwork, and find out from them what is going on

WOULD I BE ABLE TO SUE THE HOME OWNER'S INSURANCE?

With those injuries I would speak with an attorney about the entire situation.

What can happen from here? Can I be charged with anything at this time? Should I tell my insurance that I blew a .05?

You should be careful. Some carriers don't provide collision coverage if the damage to your car occurred while you were intoxicated.

A local lawyer said I have grounds got a law suit. Do I really?

We need more info about you and the incident, but not sure why you don't believe the attorney you spoke with.

Worse case scenario my insurance will cover cost and rental but should we go after person on insurance and registration card?

Let your carrier pay for your damages and you can sue her in Small Claims for your out of pocket and hope you can collect from the driver and...

The value of your claim depends on whether or not you have a scar or other residual problems with your neck. If you don't have a scar or...

Do I have a case.

Sounds like you have a claim. Maybe speak with local counsel and get to a doctor to get checked out